Thinking about living off your nest egg? Forget the old 4% rule—today’s retirees are better off with a flexible withdrawal plan that adjusts as markets and your spending change. With longer retirements and unpredictable markets, sticking to a single number could drain your savings too fast. Instead, try a “guardrail” approach: start with a lower rate (like 3.7%), and tweak your withdrawals up or down based on how your investments perform. It’s like budgeting with built-in safety nets! #Business #MakeMoney #retirementplanning